The best credit union credit cards for cash back charge no annual fees. Some of these cards come with welcome offers too.
MoneyGeek's Take
Best Credit Union Cards Credit Cards for Cash Back in 2023
This article is part of our larger series on Best Cash Back Credit Cards

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If you are looking for a cash back credit union credit card, you have multiple options. However, not all cards from this category come with the same features and benefits, so it's important to consider your unique requirements when making your choice.
A common feature among the top cash back credit union credit cards we’ve selected is they offer flat cash back rates across all categories, although the cash back rate varies from one card to the next. For example, while both Navy Federal Credit Union cashRewards cards (Visa and Mastercard) let you earn up to 1.75% cash back on all purchases, you may earn up to 2.5% cash back with the Alliant Visa Signature Card.
Other factors that need your attention when choosing a card include intro APR offers, regular APRs, fees and added benefits.

This article is part of our larger series on
Best Cash Back Credit Cards
MoneyGeek’s Take: Top 3 Credit Union Credit Cards for Cash Back
Quick Summary
The cash back rate you stand to earn might vary depending on the card you get. While this factor plays an important role in our selection of the top three credit union cash back cards, we also pay due attention to other aspects such as welcome offers, APRs, annual fees and added perks. Scrolling further down the page lets you view other good cards from this segment.
- Alliant Visa Signature Card
A great no-annual-fee card with cash back and added perks
- Good–ExcellentRecommended Credit
- $0Annual Fee
- 16.99% – 26.99% VariableAPR
- 1.5% – 2.5% Cash BackRewards Rate
- Power Cash Rewards Visa Signature® Card
A good no annual fee balance transfer card with cash back
- Good–ExcellentRecommended Credit
- $0Annual Fee
- 1.5% – 2% Cash BackRewards Rate
- 12 monthsBalance Transfer Duration
- Navy Federal Credit Union Visa Signature cashRewards Card
A great no annual fee cash back card for average to excellent credit
- 13.40% – 18.00% VariableAPR
- $0Annual Fee
- 1.5%–1.75% Cash BackRewards Rate
- 0%Balance Transfer Fee
- Fair–ExcellentRecommended Credit
Summary of the Best Credit Union Cards Cards for Cash Back
Take a look at the other good cards from this category by checking the corresponding credit union cash back card comparison table. It highlights how they fare when it comes to the credit score needed to apply, cash back rates and annual fees.
- Credit CardBest ForAvg. Reward RateAnnual FeeCredit Needed
- A great no-annual-fee card with cash back and added perks1.5% – 2.5% Cash Back$0
- A good no annual fee balance transfer card with cash back1.5% – 2% Cash Back$0
- A great no annual fee cash back card for average to excellent credit1.5%–1.75% Cash Back$0
- Navy Federal Credit Union cashRewards World Mastercard®A good no-annual fee cash back card for those with average credit1.50% – 1.75% Cash Back$0
Cash back credit cards from a credit union can be a great deal for consumers. These cards typically don't have annual fees, and they offer lower interest rates in case you occasionally carry a balance. -- Lee Huffman, credit card expert at BaldThoughts.com.
How to Compare Credit Union Cards Credit Cards & Intro Offers
There are notable differences between the best credit union cards for cash back we’ve selected, so it’s important that you pay attention to what you need from your new card. Comparing your options across different aspects will help you make a suitable decision.
Cash back rate
How much cash back you may earn depends on the card you get. For example, Navy Federal Credit Union’s cashRewards Visa Signature Card and cashRewards World Mastercard offer 1.75% cash back on all purchases if you have a direct deposit with Navy Federal and 1.5% otherwise. Similarly, the Power Cash Rewards Visa Signature® Card offers 2% cash back on all purchases for PenFed Honors Advantage members and 1.5% for non-members. The Alliant Visa Signature Card, on the other hand, offers 2.5% cash back on the first $10,000 you spend on eligible purchases each month if you qualify for its Tier One rewards and 1.5% otherwise.
Welcome Offer
Many credit union credit cards do not offer welcome bonuses. However, when comparing your options, you'll discover a few that do. For example, the Power Cash Rewards Visa Signature® Card offers a $100 bonus statement credit to cardholders who spend $1,500 within the first 90 days. If you get a Navy Federal Credit Union cashRewards Card, Visa or Mastercard, you stand to earn a $200 cash back bonus if you spend $2,000 in the first 90 days.
Intro APR offer
From time to time, some credit union cash back cards run intro 0% APR offers on purchases, balance transfers or both. For example, the Power Cash Rewards Visa Signature® Card currently has a 0% APR offer on balance transfers for the first 12 months.
Regular APR
The regular APR requires your attention if you are unable to pay your balances in full each month. Of the credit union cash back cards we’ve selected, Navy Federal Credit Union’s cashRewards cards come with the lowest possible purchase APR. However, the APR you get depends on your credit score and other criteria.
Fees
All the top credit union cash back cards on our list have no annual fees and no foreign transaction fees. Both the Alliant Visa Signature Card and the Power Cash Rewards Visa Signature® Card charge a 3% balance transfer fee. However, the cashRewards cards from Navy Federal do away with this fee.
Added benefits
Even though the cash back credit union credit cards we’ve selected come with no annual fees, you may still expect additional benefits. For instance, all these cards come with a zero liability policy to safeguard against unauthorized transactions. Other card-specific benefits include personal identity theft protection, purchase security, extended warranty protection, price protection, travel accident insurance, auto rental collision damage waiver, rental vehicle coverage and roadside dispatch. You might also get access to a concierge service and travel and emergency assistance services.
Further Reading
About Rajiv Baniwal

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.